5 steps to follow when making a road accident claim in Ireland

Learn the five essential steps to follow when making a road accident claim in Ireland to ensure you receive fair compensation.

1. Apply to the Injuries Board

• While it is recommended that an application for assessment be submitted to the Injuries Board, many claims are not resolved through them. Instead, they are often handled directly between the injured party’s solicitor and the negligent driver’s insurance company.
• Negotiated settlements can be the quickest and most efficient way of securing the maximum entitlement to compensation, and most solicitors will recommend this approach.

2. Understand how compensation is calculated

• The compensation you may be entitled to depends on your injury’s severity, age, and overall health before the road accident.
• Claims can also cover any psychological trauma caused by the accident, including long-term effects on your mental health and quality of life.
• Additionally, you may be entitled to compensation for lost income or any financial costs directly caused by the accident, such as medical bills or rehabilitation costs.

3. Consider the Impact of contributory negligence

• If you contributed to the road accident or the severity of your injuries, your compensation may be reduced. For example, not wearing a seatbelt or failing to seek medical attention promptly can reduce your settlement.
• If your actions are found to have worsened the road accident or your injuries, a percentage of responsibility will be attributed to you, and your compensation will be adjusted accordingly.

4. Avoid accepting quick settlement offers from insurance companies

• Be cautious if you are offered direct compensation from the negligent party’s insurance company. Insurance companies often approach injury victims when they are vulnerable in an attempt to settle quickly for less than what they may be entitled to.
• If you accept an offer without consulting a road accident solicitor, it later proves insufficient to cover medical treatment or support your family. At the same time, you’re unable to work; you may not be able to claim more.
• Always seek the advice of an experienced personal injury solicitor before accepting any offer to ensure you receive a fair settlement.

5. Consult a road accident solicitor

• The claims process can be complex, so seeking legal advice early is crucial. A solicitor experienced in road accident claims can assess your situation, help gather necessary evidence, and guide you through negotiations with the insurance company.
• Legal representation ensures you avoid common pitfalls, such as inadvertently accepting inadequate offers, and helps secure the maximum compensation for your injuries and associated costs.

How to claim road accident compensation